Borrowing money from Lending Bao may not be so reliable, and Lending Bao does not need a bank card password.

Don't borrow if you are not familiar with it, because the loan treasure has the identity of criminals using the lost ID card.

Borrowing still needs to go through formal channels to prevent being cheated.

Extended data

I. Overview of Lending Treasure

Lending Bao is a platform under Renren Technology, which has created a friend lending model in the industry, supported personal lending, and let some institutions arrange people to borrow.

Lending treasure is a pure intermediary platform, which mainly matches the transactions between borrowers and lenders. It is a comprehensive lending service tool, and the platform will charge 5% fees, mainly including write-off and extension services.

Where the direct account is the most reliable, and compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend, but paying attention to choosing a formal platform when applying for online loans can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.

Second, the business model of Lending Bao:

1, electronic loan contract platform. Borrowing money between relatives and friends, sometimes I can't save face to write a loan contract. It provides platform services. Both parties can book electronic contracts through Lending Treasure, which can call for debts. The profit points are mainly service fees, mainly debt collection fees and legal fees for overdue court proceedings. The service fee is borne by the debtor, and the creditor only needs to lend money, which is equivalent to the creditor's one-stop service platform.

2. business This is similar to JD.COM's gold bars and ant lending business. There is nothing to say.

Some people are obsessed with the problem of not getting credit after borrowing. Here's an explanation:

(1) If you are applying for business, it is the money borrowed by the loan agency. If you don't pay it back, you may get a negative credit. Then once it is listed as bad information in the credit report, whether it will be rejected in the future financial application becomes very important. Because bad information and illegal records will exist in the credit report. Sometimes some bad credit reports won't give you loans.

(2) Borrowing from others through the platform will not be counted. But you must pay attention here! If the loan is not repaid for more than 3 months, Lending Bao will represent the lawsuit. At that time, you will not only pay back the money you borrowed, but also pay a high legal fee! Until the Supreme Court blacklist of untrustworthy people, this is much more horrible than credit reporting, and it can almost be said that it is difficult to move, so we must be cautious.

I lent my loan. Is it credible?

Credible. My loan is a formal loan platform that has been strictly audited by the state and is a more reliable platform. I use my loan network as an internet financial platform under Haoju Financial Information Service Shanghai Co., Ltd., which was established with the approval of Shanghai Administration for Industry and Commerce and is headquartered in Shanghai, China.

Is online lending reliable?

Not reliable. If you can't get a loan yourself, or if you don't have collateral, others won't bring it to you. Looking for an intermediary still won't work, and it may even make you spend more money on the intermediary, and finally get nothing. So the best way is to get a loan yourself. If you can't get a loan, your credit is very poor. It's useless for anyone to help you at this time.

Formal loan platform:

First, Alipay borrows money.

Lending treasure is a credit product of Ant Financial, with a maximum amount of 300,000 yuan. The use entrance of the loan is on Alipay, log in to the account, search for the loan, and enter the loan page to use it.

However, the loan is an invitation system, and the loan can only be used after being invited to borrow. If you don't have the quota and interest rate on the loan page, you are not a borrower yet.

The opening of borrowing is the result of system audit, and users can't open it actively. To open ant borrowing, the following conditions need to be met: (1) Alipay account completes real-name authentication; (2) The account status is normal and has not been appealed; (3) The account is bound to the mobile phone. For the account that meets the above conditions, the system will make an irregular comprehensive evaluation according to your account usage, and the final use will be subject to the system evaluation, and manual intervention is impossible.

If you want to open Alipay as soon as possible, you can try the following methods:

1, use Alipay more, Alipay has many functions, such as taking a taxi and managing money. Let the system see your loyalty, and use Alipay more to let Alipay see your good spending power.

2. Maintain good credit habits, use credit products such as flower buds to repay on time, and try not to overdue. After all, borrowing flowers is a credit loan, and good credit can make the system believe you.

Second, Tencent Microfinance

Micro-loan is a credit product launched by Tencent Weizhong Bank, with a maximum amount of 300,000. It should be noted that, like borrowing, micro-lending is also the way to open the invitation system. If you don't see the words "micro-loan" in Jiugongge of I Pay-Tencent Service, it means that you haven't got the micro-loan.

If micro-loans cannot be opened at present, you can refer to the following methods.

1, open WeChat payment point

In the future, the WeChat payment score may be used as an evaluation standard for evaluating the micro-loan amount, so make preparations early and easily turn passive into active.

2. Use WeChat to shop more.

Multi-use WeChat shopping, while satisfying the desire for consumption, also brushed the sense of existence in Tencent system. Because we can get our consumption data in this way, those of us who can prove our purchasing power will more easily realize the purpose of opening small loans.

Step 3 pay more for living expenses

Wechat is often used for life payment, mobile phone charging flow, water and electricity charges, gas charges, broadband, fixed-line payment and so on. In addition, the city service has also opened the functions of hospital registration, car traffic violation inquiry, social security inquiry and so on. More use of these convenient operations will also help to increase the amount.

4. Buy more and manage money

If you have enough money, buy some funds, insurance and wealth management products and save them to collect interest. After a period of time, small loans can be opened.

5. Use the "Credit Card Repayment" function of WeChat.

Use WeChat to bind the credit card, and make a fixed repayment of several thousand yuan every month, and there will be a quota soon.

Third, spend a little money.

Qianhua is a credit product of Xiaoman Finance (formerly Baidu Finance). At present, the main push is easy loan, and the maximum amount of easy loan is 200,000.

Money can be opened voluntarily. 18-Non-university students over the age of 55 can apply for monetary loans. When applying, they can prepare their original second-generation ID card and bank debit card.

It should be noted that as a formal loan platform, Lending Bao, Micro-loan and Spending Bao have been connected to the central bank's credit information system in strict accordance with regulations. Therefore, everyone must develop the good habit of paying back on time and accumulate personal credit.